Prudential life Insurance Review

by Jim Tobin, CFP 

Company Highlights

prudential Term Life Insurance Review
  • A.M. Best Rating :  A+
  •  Market Leaser for Impaired Risk Cases
  • Lenient on Weight/Build
  • Pricinf for Healthy Applicants is Not  Always Competitive 

Life Insurance Help Desk Rating

If you are thinking about purchasing term life insurance from Prudential you have landed in a good place. This Prudential term life insurance review will address the company's history and financial ratings, product offerings, underwriting niches, pricing and alternatives.

Fast Facts About Prudential Term Life Insurance

A well known carrier with the iconic marketing slogan "get your piece of the rock", Prudential has been in business since 1875. Prudential Financial is headquartered in Newark, New Jersey.

Prudential Life Insurance Financial Strength Ratings

A+   (Superior) from A.M. Best
AA- (Very Strong) from S&P
AA- (Very Strong) from Fitch
94   COMDEX score

As you can see, the  financial ratings for Prudential Financial  are very strong. Although A.M. Best is  the recognized authority of financial strength in the life insurance community, above we have provided the ratings for Prudential from all the major agencies. Included in this list is Comdex which is an industry specific compilation of rantings. 

Prudential Term Life Insurance Products

While Prudential offers permanent policies such as Universal Life (UL), Indexed Universal Life (IUL) and Variable Universal Life (VUL- Through Pruco Securities), this post will concentrate on reviewing prudential term life insurance products.

Prudential Term Life Essential

Offered in terms periods of 10,15,20 & 30 years, this is the most commonly purchased Prudential term product. The least expensive of Prudential's term offerings, this policy is convertible to any of Prudential's permanent products without proof of insurability. That simply means no retaking of a para medical exam is needed.

Prudential Term Elite

This product is the same as the Prudential Term Life Essential except that your paid premiums will be credited toward your account if you convert to a permanent product within 5 years of purchase. This conversion credit comes at a cost, as Term Elite is more expensive than Term Essential.

Work Life 65

Work life 65 is the most interesting of the Prudential Term life insurance products because you do not see equivalent products from rival carriers in the marketplace.

Work life 65 will cover you through age 65. This means if you picked up the policy in your early twenties, you would have an affordable term policy in excess of 40 years.

Like the Essential and Elite products, Work Life 65 is convertible to any permanent product offered by Prudential at the time of conversion. Additionally, Work Life 65 offers a waiver of premium rider that protects against disability.

Prudential Term Life Insurance Underwriting Niche's

Like all term life insurance carriers, Prudential has pro's and con's to their underwriting standards. While this post will go over several conditions/situations where Prudential term life insurance is stronger or weaker than the competition, it is worth noting than Prudential has a general reputation as being more forgiving than most carriers.

Tobacco Use

Like with all carriers if you regularly smoke cigarettes you will be classified as a smoker. However, if you chew or dip tobacco, you use e-cigarettes or nicotine patches you may well qualify as a non-smoker.

Additionally, if you smoke cigars infrequently (<10 per year), you will not be designated as a smoker. These standards are among the most liberal of all carriers for tobacco use.

Foreign Nationals

Prudential will consider applications from foreign nationals doing business in the United States. This alone, sets Prudential apart from many Us based carriers.

Active Military Service

Prudential has a reputation for being particularly friendly to active military personal.With no exclusions for acts of war, they are currently one of the only carriers who will take applications from soldiers with active deployment orders. (Note, that application must transact on U.S. soil.)


Prudential term life insurance is super competitive in cases of DUI/DWI. This is not because the insurance with Prudential will necessarily be cheap, but rather, because most others carriers will be punitive if they make an offer at all.


Like with the previous conditions, Prudential has a more favorable build chart than many of it's competitors. This is particularly true after the age of 60. To read more about how weight and build affect your underwriting classification click here.

Existing Medical Conditions

While it is not practical to go over how Prudential term life insurance underwriting treats all of the preexisting conditions out there, it is safe to say they are worth considering for many, if not most, existing conditions. Prudential has been a leader in underwriting taking medical advancement into consideration.

From heart conditions and diabetes to mental health issues, Prudential is a leader in life insurance underwriting.

Prudential Term Life Insurance Review of Pricing

Prudential is super competitive in some cases and appears expensive in others. However, it is important to note that even in cases where they appear expensive they are often the best deal.

You may be asking: "How can the be?"

It all comes down to the underwriting class you are given. If Prudential is the most expensive of the major carriers at standard rates but the more competitive carriers would grade you as table 2/B or 4/D, then the "more expensive" standard rate would be the best deal.

If you would like to see accurate rates based on underwriting class for Prudential term life insurance, simply input your information into the quote tool and press "Display Quotes". Just bear in mind that, as I have discussed, the best rate is not always the best deal for your particular health situation.

If you are certain of your health status, you can even choose to start a Prudential life insurance application for coverage through the computer.

Alternatives to Prudential Life Insurance Company

In cases where Prudential is not the most competitive rate (for example  super healthy folks), there are over 50 carriers available at the Life Insurance Help Desk. Whether it's a condition that Prudential chooses not to see more favorably than others  or it's a no exam option you are looking for, the Life Insurance Help Desk will be happy to help you get the best deal possible. 

Your Next Step 

Thank you for choosing The Life Insurance Help Desk to research Prudential term life insurance review. Should you have any questions please do not hesitate to call or send over an email

Bonus: Avoid The 5 Most Common Mistakes

James Tobin, CFP

Jim Tobin is the owner of Life Insurance Help Desk, a Fairfield County, CT. life insurance agency. You can find him on LinkedIn and Facebook. Over the past 10 years, Jim has used his CFP-financial planning designation to help individuals with their life insurance needs. In addition to working with life insurance clients, Jim teaches ESL classes in his spare time. He resides with his beautiful wife Nicole and the 3 cats that rule their lives..